Zoot Enterprises Announces Release of Diakon

Users Can Create Customized Test Files to Audit Performance of Credit Scoring Applications

May 23, 2006

Hollywood, Fla - Zoot Enterprises, a leading provider of advanced instant credit decisioning and loan origination solutions, announced at the 18th Annual SourceMedia Card Forum & Expo the release of its Diakon Automated Test File Builder ("Diakon"). Diakon users can easily create and modify test files to accurately and completely evaluate an institution's decisioning logic and audit the performance of credit scoring applications.

A top ten bank risk manager had this to say about the new tool, "Our use of Diakon greatly reduced our testing time by allowing us to directly create specific cases to exercise all of the scenarios within our criteria. Our test team was up and running with the software within an hour."

Diakon's browser-based architecture lets users build as many custom test files as necessary to thoroughly test and evaluate decisioning logic by using a range of possible data elements and values. Nearly every aspect of a test file including trade, address and inquiry segments can be customized quickly and easily. Once created, Diakon's generated test files can be stored in Zoot's Resubmit Database or in a user-specified file and is accessed like standard bureau test files. Diakon supports both consumer and business bureaus.

Having control and ownership over the resulting test files means users have the option of storing files in a personal library and building a reserve for future testing efforts. Diakon automatically updates test file dates to keep score results consistent over time and support testing with a wide range of decision engines. Zoot's Decisioning Environment also supports real time date adjustments to keep testing results consistent over time, without regenerating test files.

"Historically, finding test files to evaluate every facet of a decisioning algorithm was tedious, labor intensive and time consuming," said Chris Nelson, Zoot CEO and founder. "To meet this challenging aspect of implementing new decisioning platforms, Zoot developed Diakon. With this powerful, user-friendly tool, financial institutions can generate customized test files and quickly convert them into an easy-to-read format. To my knowledge, Diakon is the only product on the market that allows users to produce the test files they need when they need them."

Diakon is a Java-based application accessed through a standard Web browser. It is provided as part of the Zoot ASP, which offers enhanced software management and maintenance services. Security is provided through 128-bit DES encryption (HTTPS) and VPN services.

About Zoot Enterprises
Bozeman, Mont.-based Zoot Enterprises provides leading financial institutions with highly configurable, credit bureau independent instant credit decisioning and loan origination systems. Its fast, flexible and highly secure solutions reduce risk and improve performance for seven of the top ten U.S. financial institutions accounting for more than 130 million credit transactions a year. The company's product lines support a wide range of transactions and allow clients to adapt to market changes in real-time. The ability to meet virtually any credit origination need has led to the company's long-term partnerships with the nation's most innovative financial institutions. Visit www.zootweb.com or call 406.586.5050 for more information.

CONTACT: Andrew McCaskill, 678-781-7210 or Meredith Fletcher, 678-781-7207 or Zoot Enterprises Eric Lindeen, 406-556-7449

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